Built for Every Stage of the Claim
From first notice of loss to final settlement — for homeowners and professionals alike.
For Homeowners
Guidance written for people who don't deal with insurance every day.
AI Claims Assistant
Ask plain-language questions and get accurate, Florida-specific answers. The AI knows the difference between ACV and RCV, understands your Homeowner Claims Bill of Rights, and can walk you through the appraisal process step by step.
- ✓ ACV vs RCV explained for your specific claim type
- ✓ Ordinance & Law coverage analysis
- ✓ Reservation of rights letter guidance
- ✓ Sworn proof of loss and EUO preparation
- ✓ Matching statute and uniform appearance arguments
Damage Documentation
Build a thorough photographic record of every item damaged. Upload from your camera roll or take new photos directly in the app. Attach carrier correspondence, estimates, and policy documents.
- ✓ Bulk photo capture and upload
- ✓ PDF and document attachment
- ✓ Organized by claim, not buried in your camera roll
- ✓ Available on iOS, Android, and web
Deadline Tracking
Florida's insurance statutes impose strict deadlines on carriers — and on you. Pocket Adjuster tracks the critical dates and reminds you before windows close.
- ✓ 60-day carrier payment/denial window (§ 627.70131)
- ✓ Date of loss and first notice tracking
- ✓ Supplement and reinspection scheduling
- ✓ Push notification reminders
Policy Guidance
Insurance policies are long, dense, and written by lawyers. Paste in confusing language and ask the AI to explain what it actually means for your claim.
- ✓ Coverage interpretation in plain language
- ✓ Exclusion analysis
- ✓ Sub-limit and deductible breakdowns
- ✓ Assignment of benefits (AOB) restrictions under § 627.7152
For Industry Professionals
Public adjusters, contractors, and restoration vendors.
Florida Statute Lookup
Rapid reference for the statutes and case law you need on active files, without leaving the workflow.
- ✓ § 627.70131 — payment and acknowledgment timelines
- ✓ § 626.854 — PA licensing requirements
- ✓ § 627.7142 — Homeowner Claims Bill of Rights
- ✓ § 489.147 — contractor disclosure requirements
- ✓ HB 837 (2023) bad faith and tort reform
Supplement Strategy
Know when and how to supplement, the difference between a true supplement and a reinspection, and how to position O&P arguments.
- ✓ O&P eligibility — 3-trades rule analysis
- ✓ True supplement vs. reinspection distinction
- ✓ Carrier-specific supplement patterns
- ✓ Depreciation disputes and recoverable vs. non-recoverable
Dispute Resolution Guidance
Understand the full dispute resolution landscape — from informal negotiation through appraisal, mediation, and litigation.
- ✓ Appraisal process and umpire selection
- ✓ Mediation under the DFS program
- ✓ Civil remedy notice (CRN) filings post-HB 837
- ✓ Bad faith exposure analysis
Pocket Adjuster provides informational guidance only. It is not a substitute for a licensed public adjuster, attorney, or other licensed professional. When your situation requires representation or legal advice, the app will tell you so.